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Borrego Springs Bank, Performance and Condition Ratios

2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9067%308
Cost of funding earning assets0.9769%1,485
Net interest margin4.9298%427
Noninterest income to average assets6.2570%112
Noninterest expense to average assets8.3411%105
Loan and lease loss provision to assets1.0268%386
Net operating income to assets0.6656%3,911
Return on assets (ROA)0.6656%4,175
Pretax return on assets0.8306%4,178
Return on Equity (ROE)6.5326%3,895
Retained earnings to average equity (ytd only)6.5326%1,800
Net charge-offs to loans1.3466%709
Credit loss provision to net charge-offs108.9406%2,697
Earnings coverage of net charge-offs (x)1.9707%4,435
Efficiency ratio81.7873%1,901
Assets per employee ($millions)1.9682%6,909
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans3.6530%377
Loan loss allowance to noncurrent loans25.6738%6,220
Noncurrent assets plus other real estate owned to assets13.1877%107
Noncurrent loans to loans14.2287%91
Net loans and leases to total assets68.4358%2,113
Net loans and leases to deposits80.0983%2,269
Net loans and leases to core deposits98.3919%1,122
Total domestic deposits to total assets85.4398%3,642
Equity capital to assets11.2661%2,669
Core capital (leverage) ratio10.3806%2,914
Tier 1 risk-based capital ratio13.9461%4,410
Total risk-based capital ratio15.2236%4,365
Memoranda:
Average total assets$141,216,8003,928
Average earning assets$112,905,6004,275
Average equity$14,389,4004,090
Average total loans$98,845,0003,555
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8558%361
Cost of funding earning assets0.9909%1,618
Net interest margin4.8649%508
Noninterest income to average assets5.9788%119
Noninterest expense to average assets8.2128%103
Loan and lease loss provision to assets1.0867%361
Net operating income to assets0.3402%5,474
Return on assets (ROA)0.3402%5,677
Pretax return on assets0.5764%5,242
Return on Equity (ROE)3.4296%5,518
Retained earnings to average equity (ytd only)3.4296%4,450
Net charge-offs to loans1.3781%660
Credit loss provision to net charge-offs113.0777%2,584
Earnings coverage of net charge-offs (x)1.7306%4,406
Efficiency ratio83.1595%1,688
Assets per employee ($millions)2.0281%6,993
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.6753%401
Loan loss allowance to noncurrent loans27.0999%6,255
Noncurrent assets plus other real estate owned to assets12.7907%135
Noncurrent loans to loans13.5620%119
Net loans and leases to total assets68.1390%2,271
Net loans and leases to deposits79.7344%2,433
Net loans and leases to core deposits98.5584%1,224
Total domestic deposits to total assets85.4575%3,538
Equity capital to assets10.8368%3,458
Core capital (leverage) ratio10.5431%2,866
Tier 1 risk-based capital ratio14.2098%4,377
Total risk-based capital ratio15.4905%4,326
Memoranda:
Average total assets$141,094,0003,972
Average earning assets$113,025,0004,314
Average equity$13,995,5004,192
Average total loans$98,392,2503,606
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7473%439
Cost of funding earning assets1.0058%1,734
Net interest margin4.7416%621
Noninterest income to average assets5.4218%127
Noninterest expense to average assets8.6007%99
Loan and lease loss provision to assets1.2074%342
Net operating income to assets-0.3466%6,649
Return on assets (ROA)-0.3466%6,698
Pretax return on assets-0.5895%6,769
Return on Equity (ROE)-3.6062%6,708
Retained earnings to average equity (ytd only)-3.6062%6,520
Net charge-offs to loans1.7316%518
Credit loss provision to net charge-offs100.4728%2,704
Earnings coverage of net charge-offs (x)0.5142%4,815
Efficiency ratio93.2974%844
Assets per employee ($millions)2.0223%7,047
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans3.5320%484
Loan loss allowance to noncurrent loans29.6216%6,175
Noncurrent assets plus other real estate owned to assets11.3699%202
Noncurrent loans to loans11.9238%174
Net loans and leases to total assets65.0101%2,843
Net loans and leases to deposits74.8978%3,142
Net loans and leases to core deposits92.2641%1,756
Total domestic deposits to total assets86.7984%2,894
Equity capital to assets9.8771%4,512
Core capital (leverage) ratio9.8101%3,706
Tier 1 risk-based capital ratio12.5704%5,520
Total risk-based capital ratio13.8519%5,480
Memoranda:
Average total assets$140,802,0003,995
Average earning assets$112,747,6704,341
Average equity$13,532,3304,294
Average total loans$97,713,6703,632
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8338%403
Cost of funding earning assets1.0436%1,720
Net interest margin4.7902%576
Noninterest income to average assets5.7634%123
Noninterest expense to average assets8.5409%103
Loan and lease loss provision to assets2.1998%127
Net operating income to assets-0.6863%6,907
Return on assets (ROA)-0.6863%6,928
Pretax return on assets-1.1673%7,015
Return on Equity (ROE)-7.2513%6,927
Retained earnings to average equity (ytd only)-7.2513%6,726
Net charge-offs to loans3.1577%222
Credit loss provision to net charge-offs98.8142%2,394
Earnings coverage of net charge-offs (x)0.4638%4,112
Efficiency ratio89.2157%1,158
Assets per employee ($millions)1.8136%7,170
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans3.6720%475
Loan loss allowance to noncurrent loans31.7413%6,082
Noncurrent assets plus other real estate owned to assets11.8600%212
Noncurrent loans to loans11.5685%220
Net loans and leases to total assets65.8148%2,499
Net loans and leases to deposits75.2818%2,929
Net loans and leases to core deposits93.5359%1,502
Total domestic deposits to total assets87.4246%2,704
Equity capital to assets9.0422%5,432
Core capital (leverage) ratio9.0173%4,814
Tier 1 risk-based capital ratio11.2087%6,438
Total risk-based capital ratio12.4856%6,407
Memoranda:
Average total assets$136,378,5004,103
Average earning assets$108,471,5004,470
Average equity$12,908,0004,418
Average total loans$96,146,0003,683
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2409%279
Cost of funding earning assets1.2694%1,633
Net interest margin4.9716%434
Noninterest income to average assets7.0614%87
Noninterest expense to average assets8.4359%94
Loan and lease loss provision to assets1.8123%364
Net operating income to assets0.6961%3,514
Return on assets (ROA)0.7481%3,435
Pretax return on assets0.9627%3,381
Return on Equity (ROE)8.1464%2,833
Retained earnings to average equity (ytd only)8.1464%1,033
Net charge-offs to loans1.6544%940
Credit loss provision to net charge-offs147.1454%1,939
Earnings coverage of net charge-offs (x)2.1989%4,136
Efficiency ratio75.6977%2,935
Assets per employee ($millions)1.6620%7,240
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans3.7201%458
Loan loss allowance to noncurrent loans28.6843%6,269
Noncurrent assets plus other real estate owned to assets12.5920%183
Noncurrent loans to loans12.9692%172
Net loans and leases to total assets70.1336%2,007
Net loans and leases to deposits80.1469%2,496
Net loans and leases to core deposits102.4807%998
Total domestic deposits to total assets87.5063%2,464
Equity capital to assets9.9202%4,274
Core capital (leverage) ratio9.1715%4,512
Tier 1 risk-based capital ratio11.7521%5,991
Total risk-based capital ratio13.0338%5,951
Memoranda:
Average total assets$137,946,8004,013
Average earning assets$113,284,2004,300
Average equity$12,668,2004,404
Average total loans$102,697,2003,553
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2368%302
Cost of funding earning assets1.3217%1,588
Net interest margin4.9151%494
Noninterest income to average assets7.1273%87
Noninterest expense to average assets8.3164%97
Loan and lease loss provision to assets2.0056%273
Net operating income to assets0.7034%3,603
Return on assets (ROA)0.7745%3,440
Pretax return on assets0.9598%3,557
Return on Equity (ROE)8.5962%2,779
Retained earnings to average equity (ytd only)8.5962%1,280
Net charge-offs to loans1.7703%761
Credit loss provision to net charge-offs151.4059%2,060
Earnings coverage of net charge-offs (x)2.1723%4,041
Efficiency ratio74.2940%3,122
Assets per employee ($millions)1.6312%7,322
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.6051%515
Loan loss allowance to noncurrent loans22.2464%6,615
Noncurrent assets plus other real estate owned to assets13.7693%166
Noncurrent loans to loans16.2052%112
Net loans and leases to total assets69.3648%2,200
Net loans and leases to deposits78.7511%2,854
Net loans and leases to core deposits99.8601%1,256
Total domestic deposits to total assets88.0810%1,998
Equity capital to assets9.5723%4,976
Core capital (leverage) ratio9.0513%4,850
Tier 1 risk-based capital ratio12.0728%5,847
Total risk-based capital ratio13.3550%5,808
Memoranda:
Average total assets$139,609,0004,008
Average earning assets$115,505,7504,266
Average equity$12,579,0004,433
Average total loans$104,461,0003,533
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0652%417
Cost of funding earning assets1.4456%1,206
Net interest margin4.6197%875
Noninterest income to average assets7.5884%86
Noninterest expense to average assets8.0320%113
Loan and lease loss provision to assets2.1193%280
Net operating income to assets1.0681%1,977
Return on assets (ROA)1.0681%2,066
Pretax return on assets1.2885%2,169
Return on Equity (ROE)12.0921%1,462
Retained earnings to average equity (ytd only)12.0921%507
Net charge-offs to loans1.7668%804
Credit loss provision to net charge-offs158.3949%1,921
Earnings coverage of net charge-offs (x)2.5470%3,554
Efficiency ratio70.2112%4,074
Assets per employee ($millions)1.6935%7,375
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.3969%649
Loan loss allowance to noncurrent loans19.8049%6,725
Noncurrent assets plus other real estate owned to assets13.9585%174
Noncurrent loans to loans17.1519%96
Net loans and leases to total assets68.6231%2,490
Net loans and leases to deposits77.3766%3,240
Net loans and leases to core deposits94.6002%1,836
Total domestic deposits to total assets88.6871%1,729
Equity capital to assets9.3533%5,068
Core capital (leverage) ratio8.5185%5,521
Tier 1 risk-based capital ratio12.1623%5,651
Total risk-based capital ratio13.4467%5,602
Memoranda:
Average total assets$141,558,3304,002
Average earning assets$118,016,6704,232
Average equity$12,504,0004,434
Average total loans$107,197,0003,522
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3381%266
Cost of funding earning assets1.7769%411
Net interest margin4.5612%937
Noninterest income to average assets7.6688%90
Noninterest expense to average assets7.9415%110
Loan and lease loss provision to assets2.0869%261
Net operating income to assets1.4831%901
Return on assets (ROA)1.4831%945
Pretax return on assets1.4831%1,496
Return on Equity (ROE)17.2757%539
Retained earnings to average equity (ytd only)17.2757%264
Net charge-offs to loans1.4348%951
Credit loss provision to net charge-offs186.5672%1,576
Earnings coverage of net charge-offs (x)3.1915%2,822
Efficiency ratio68.9872%4,479
Assets per employee ($millions)1.9058%7,397
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.8761%1,034
Loan loss allowance to noncurrent loans17.8121%6,842
Noncurrent assets plus other real estate owned to assets12.7409%226
Noncurrent loans to loans16.1470%119
Net loans and leases to total assets70.5345%2,024
Net loans and leases to deposits87.8394%1,484
Net loans and leases to core deposits113.5867%612
Total domestic deposits to total assets80.2994%5,871
Equity capital to assets8.4834%5,931
Core capital (leverage) ratio8.3018%5,807
Tier 1 risk-based capital ratio12.7326%5,030
Total risk-based capital ratio14.0077%4,989
Memoranda:
Average total assets$143,752,0003,999
Average earning assets$121,108,0004,197
Average equity$12,341,0004,476
Average total loans$112,075,0003,441
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4318%355
Cost of funding earning assets1.5452%2,373
Net interest margin4.8866%561
Noninterest income to average assets7.0113%93
Noninterest expense to average assets8.0077%114
Loan and lease loss provision to assets1.7517%802
Net operating income to assets1.4764%809
Return on assets (ROA)1.4764%867
Pretax return on assets1.4764%1,435
Return on Equity (ROE)19.7294%271
Retained earnings to average equity (ytd only)19.7294%60
Net charge-offs to loans1.8208%1,157
Credit loss provision to net charge-offs123.5234%3,355
Earnings coverage of net charge-offs (x)2.2763%4,017
Efficiency ratio71.2693%3,939
Assets per employee ($millions)1.7801%7,496
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.3728%1,586
Loan loss allowance to noncurrent loans15.3859%6,975
Noncurrent assets plus other real estate owned to assets13.7315%202
Noncurrent loans to loans15.4219%152
Net loans and leases to total assets81.6967%473
Net loans and leases to deposits116.1149%143
Net loans and leases to core deposits149.5872%178
Total domestic deposits to total assets70.3584%7,218
Equity capital to assets8.6936%5,596
Core capital (leverage) ratio8.3712%5,588
Tier 1 risk-based capital ratio12.3979%5,115
Total risk-based capital ratio13.6674%5,073
Memoranda:
Average total assets$137,292,4004,112
Average earning assets$118,691,6004,259
Average equity$10,274,0005,051
Average total loans$106,932,8003,613
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2015%617
Cost of funding earning assets1.4884%3,046
Net interest margin4.7131%819
Noninterest income to average assets9.7809%63
Noninterest expense to average assets10.6213%71
Loan and lease loss provision to assets2.2254%501
Net operating income to assets1.0236%2,161
Return on assets (ROA)1.0236%2,268
Pretax return on assets1.0236%3,095
Return on Equity (ROE)14.2630%978
Retained earnings to average equity (ytd only)14.2630%258
Net charge-offs to loans2.2341%800
Credit loss provision to net charge-offs130.3480%3,100
Earnings coverage of net charge-offs (x)1.9030%4,281
Efficiency ratio76.5763%2,839
Assets per employee ($millions)2.0266%7,508
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.4020%1,469
Loan loss allowance to noncurrent loans20.4434%6,895
Noncurrent assets plus other real estate owned to assets9.1025%490
Noncurrent loans to loans11.7493%307
Net loans and leases to total assets72.7690%2,061
Net loans and leases to deposits99.5396%687
Net loans and leases to core deposits136.1120%299
Total domestic deposits to total assets73.1055%7,022
Equity capital to assets7.0276%7,336
Core capital (leverage) ratio7.4519%6,880
Tier 1 risk-based capital ratio11.7018%5,728
Total risk-based capital ratio12.9732%5,680
Memoranda:
Average total assets$136,903,2504,166
Average earning assets$118,786,0004,314
Average equity$9,824,7505,249
Average total loans$104,618,0003,720
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1858%640
Cost of funding earning assets1.4201%3,745
Net interest margin4.7657%700
Noninterest income to average assets5.6975%117
Noninterest expense to average assets9.6592%84
Loan and lease loss provision to assets1.4787%898
Net operating income to assets-1.3308%7,088
Return on assets (ROA)-1.3308%7,104
Pretax return on assets-1.3308%7,025
Return on Equity (ROE)-18.3895%7,236
Retained earnings to average equity (ytd only)-18.3895%7,210
Net charge-offs to loans1.3532%1,409
Credit loss provision to net charge-offs141.5929%2,819
Earnings coverage of net charge-offs (x)0.1416%5,579
Efficiency ratio98.4922%861
Assets per employee ($millions)1.9306%7,609
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.1131%1,943
Loan loss allowance to noncurrent loans19.6140%6,962
Noncurrent assets plus other real estate owned to assets9.5924%441
Noncurrent loans to loans10.7736%383
Net loans and leases to total assets78.3918%1,045
Net loans and leases to deposits111.1969%248
Net loans and leases to core deposits154.6781%192
Total domestic deposits to total assets70.4982%7,294
Equity capital to assets6.0295%7,535
Core capital (leverage) ratio6.5048%7,382
Tier 1 risk-based capital ratio10.1187%6,957
Total risk-based capital ratio11.3883%6,918
Memoranda:
Average total assets$129,845,3304,358
Average earning assets$111,966,0004,509
Average equity$9,396,6705,381
Average total loans$100,203,3303,891
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5973%310
Cost of funding earning assets1.1346%5,738
Net interest margin5.4627%189
Noninterest income to average assets3.5373%181
Noninterest expense to average assets9.9941%75
Loan and lease loss provision to assets1.9745%562
Net operating income to assets-3.7836%7,704
Return on assets (ROA)-3.7836%7,707
Pretax return on assets-3.7836%7,673
Return on Equity (ROE)-47.2149%7,701
Retained earnings to average equity (ytd only)-47.2149%7,690
Net charge-offs to loans1.9006%909
Credit loss provision to net charge-offs137.9717%2,565
Earnings coverage of net charge-offs (x)-1.2642%5,411
Efficiency ratio122.1031%419
Assets per employee ($millions)1.8035%7,755
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.4537%1,356
Loan loss allowance to noncurrent loans20.0931%7,003
Noncurrent assets plus other real estate owned to assets9.7819%416
Noncurrent loans to loans12.2117%281
Net loans and leases to total assets73.2768%2,131
Net loans and leases to deposits95.4182%1,178
Net loans and leases to core deposits124.6794%627
Total domestic deposits to total assets76.7955%6,596
Equity capital to assets6.6986%7,481
Core capital (leverage) ratio7.4150%6,923
Tier 1 risk-based capital ratio10.7626%6,382
Total risk-based capital ratio12.0340%6,341
Memoranda:
Average total assets$118,510,0004,668
Average earning assets$100,828,5004,852
Average equity$9,497,0005,389
Average total loans$89,234,5004,221
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4786%705
Cost of funding earning assets0.7654%7,601
Net interest margin5.7132%146
Noninterest income to average assets5.3353%134
Noninterest expense to average assets8.3613%126
Loan and lease loss provision to assets1.6791%1,364
Net operating income to assets0.6021%3,319
Return on assets (ROA)0.6021%3,393
Pretax return on assets0.2275%4,943
Return on Equity (ROE)7.0540%2,769
Retained earnings to average equity (ytd only)5.9964%1,344
Net charge-offs to loans1.6794%1,506
Credit loss provision to net charge-offs144.4099%3,308
Earnings coverage of net charge-offs (x)1.6398%4,514
Efficiency ratio81.4313%2,678
Assets per employee ($millions)1.3808%7,918
Cash dividends to net income (ytd only)*14.9925%3,786
Condition Ratios (%)
Loss allowance to loans2.9394%814
Loan loss allowance to noncurrent loans31.7673%6,341
Noncurrent assets plus other real estate owned to assets7.8245%588
Noncurrent loans to loans9.2529%476
Net loans and leases to total assets73.3051%2,424
Net loans and leases to deposits86.7440%2,784
Net loans and leases to core deposits133.4118%1,092
Total domestic deposits to total assets84.5074%3,794
Equity capital to assets9.7085%4,137
Core capital (leverage) ratio9.9242%3,165
Tier 1 risk-based capital ratio12.6530%4,400
Total risk-based capital ratio13.9239%4,317
Memoranda:
Average total assets$110,771,8004,802
Average earning assets$95,638,4004,957
Average equity$9,455,6005,461
Average total loans$76,695,2004,631
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3855%949
Cost of funding earning assets0.7675%7,740
Net interest margin5.6180%159
Noninterest income to average assets5.7667%127
Noninterest expense to average assets9.4809%108
Loan and lease loss provision to assets1.1642%1,666
Net operating income to assets0.0462%5,612
Return on assets (ROA)0.0462%5,645
Pretax return on assets0.0284%5,649
Return on Equity (ROE)0.5588%5,631
Retained earnings to average equity (ytd only)-0.8740%5,459
Net charge-offs to loans1.5112%1,350
Credit loss provision to net charge-offs113.6416%4,469
Earnings coverage of net charge-offs (x)1.1642%4,900
Efficiency ratio88.8260%1,789
Assets per employee ($millions)1.6968%7,936
Cash dividends to net income (ytd only)*256.4038%136
Condition Ratios (%)
Loss allowance to loans2.4782%1,085
Loan loss allowance to noncurrent loans32.6206%6,255
Noncurrent assets plus other real estate owned to assets6.2968%822
Noncurrent loans to loans7.5970%670
Net loans and leases to total assets65.8640%4,462
Net loans and leases to deposits76.2675%4,994
Net loans and leases to core deposits105.3529%3,775
Total domestic deposits to total assets86.3592%2,507
Equity capital to assets8.6006%6,116
Core capital (leverage) ratio8.9755%4,686
Tier 1 risk-based capital ratio13.0410%4,163
Total risk-based capital ratio14.3077%4,086
Memoranda:
Average total assets$112,575,0004,789
Average earning assets$98,324,2504,912
Average equity$9,306,0005,556
Average total loans$76,315,7504,686
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5666%703
Cost of funding earning assets0.8274%7,786
Net interest margin5.7392%133
Noninterest income to average assets4.7152%141
Noninterest expense to average assets9.2363%126
Loan and lease loss provision to assets0.6176%2,580
Net operating income to assets-0.1412%6,088
Return on assets (ROA)-0.1412%6,116
Pretax return on assets-0.1324%6,039
Return on Equity (ROE)-1.7305%6,178
Retained earnings to average equity (ytd only)-1.7305%5,677
Net charge-offs to loans0.7670%2,141
Credit loss provision to net charge-offs118.6441%3,923
Earnings coverage of net charge-offs (x)0.9322%4,833
Efficiency ratio95.0082%1,440
Assets per employee ($millions)1.4805%8,075
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.3152%1,083
Loan loss allowance to noncurrent loans29.6112%6,517
Noncurrent assets plus other real estate owned to assets7.7897%498
Noncurrent loans to loans7.8185%576
Net loans and leases to total assets78.1347%1,713
Net loans and leases to deposits92.4891%2,377
Net loans and leases to core deposits114.4290%2,864
Total domestic deposits to total assets84.4799%3,512
Equity capital to assets9.8410%4,164
Core capital (leverage) ratio9.1794%4,333
Tier 1 risk-based capital ratio12.9527%4,182
Total risk-based capital ratio14.2174%4,088
Memoranda:
Average total assets$113,335,3304,791
Average earning assets$98,863,3304,926
Average equity$9,246,0005,598
Average total loans$76,924,3304,702
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0648%2,094
Cost of funding earning assets0.8696%7,848
Net interest margin5.1952%282
Noninterest income to average assets2.3431%274
Noninterest expense to average assets8.3158%145
Loan and lease loss provision to assets0.8040%1,604
Net operating income to assets-2.1889%7,707
Return on assets (ROA)-2.1889%7,705
Pretax return on assets-2.1889%7,586
Return on Equity (ROE)-29.2095%7,900
Retained earnings to average equity (ytd only)-29.2095%7,848
Net charge-offs to loans0.8426%1,545
Credit loss provision to net charge-offs151.2346%2,758
Earnings coverage of net charge-offs (x)-2.6049%5,500
Efficiency ratio119.9811%633
Assets per employee ($millions)1.8654%7,987
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.3219%920
Loan loss allowance to noncurrent loans47.6316%5,354
Noncurrent assets plus other real estate owned to assets4.1182%1,227
Noncurrent loans to loans4.8748%1,121
Net loans and leases to total assets60.9219%5,506
Net loans and leases to deposits69.8954%5,990
Net loans and leases to core deposits77.4446%6,580
Total domestic deposits to total assets87.1615%2,143
Equity capital to assets7.0818%7,637
Core capital (leverage) ratio7.0380%7,610
Tier 1 risk-based capital ratio11.9507%5,000
Total risk-based capital ratio13.2166%4,888
Memoranda:
Average total assets$121,888,0004,597
Average earning assets$107,637,5004,699
Average equity$9,134,0005,648
Average total loans$76,901,0004,733
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2729%629
Cost of funding earning assets1.4922%7,622
Net interest margin5.7807%136
Noninterest income to average assets3.3604%173
Noninterest expense to average assets9.3948%157
Loan and lease loss provision to assets1.5477%864
Net operating income to assets-2.8769%7,795
Return on assets (ROA)-2.8769%7,764
Pretax return on assets-2.5380%7,603
Return on Equity (ROE)-26.0901%7,883
Retained earnings to average equity (ytd only)-26.0901%7,831
Net charge-offs to loans1.1594%1,046
Credit loss provision to net charge-offs205.4124%2,363
Earnings coverage of net charge-offs (x)-1.3144%6,639
Efficiency ratio111.7837%678
Assets per employee ($millions)1.7730%8,057
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans2.2769%878
Loan loss allowance to noncurrent loans63.6799%4,822
Noncurrent assets plus other real estate owned to assets3.4691%1,287
Noncurrent loans to loans3.5755%1,411
Net loans and leases to total assets62.3968%5,559
Net loans and leases to deposits72.6789%5,982
Net loans and leases to core deposits79.9118%6,626
Total domestic deposits to total assets85.8527%2,470
Equity capital to assets7.9272%6,929
Core capital (leverage) ratio7.3758%7,330
Tier 1 risk-based capital ratio13.2457%3,969
Total risk-based capital ratio14.5098%3,872
Memoranda:
Average total assets$102,993,6004,962
Average earning assets$89,867,6005,087
Average equity$11,356,8005,020
Average total loans$66,930,6004,980